B Thomas Collins II | Real Estate Coach

🏡 House Hacking |👨🏾‍💻 Real Estate Coach Goal: Help 1000 renters become homeowners | YouTube:

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

The 20% down payment "rule" is a myth that keeps people renting forever.

I bought my first duplex with 3.5% down on an FHA loan. The rental income covered the PMI and then some.

Stop waiting for perfect. Start building equity.

Get the full playbook: https://t.co/fGKgImQQJA

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

@Eagles Young bull🤣 JD a true Philadelphian now lol

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

This is for the teacher, the nurse, the government worker who's been told they "make too much for assistance but not enough to really invest."
That's the trap.
You're earning good money. But housing prices keep moving. And every year you wait, the gap gets wider.
I was stuck there too.
The way out isn't a raise. It's a strategy.
My free weekly newsletter breaks down house hacking, FHA loans, and how to close on your first property in 12 months or less.
Join 1,000+ readers building wealth from the middle of the journey:
→ https://t.co/mQQQrziya9

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

The sooner you accept that wealthy people use debt to buy assets while poor people use debt to buy liabilities the sooner you understand money.

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

@PhilliesNation I thought that was our closer

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

@Phillies Damn

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

I went from renting apartments and moving every two years to owning multiple properties because I finally got fed up with where I was.

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

I can't afford to buy a home."
You can't afford NOT to.
Every month you rent, you're paying a mortgage — just not yours.
I'm giving away the exact tools I used to house hack my way out of that cycle.
Free bundle → https://t.co/AKrqFfX07K

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

@BOXABL @GalianoTiramani Can’t wait for my board vote

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

@nunaambon @lyemcfly 😒

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

People in this free community are:

Buying their first house

House hacking rent-free

Fixing their credit

Automating the process with AI
…and they’re helping each other do it.
Come get yours:
https://t.co/rHGCbHftzk

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

If you're renting right now, here's the math they don't teach you:
$1,800/mo rent × 12 months = $21,600/year
× 5 years = $108,000
Gone. No equity. No asset. No return.
The family next door bought a duplex with 3.5% down. Their tenant pays $1,400 of their $1,900 mortgage.
Their out-of-pocket: $500/mo.
You're paying $1,300 more per month to own nothing.
Every week I send a free newsletter with the exact blueprint to make the switch.
→ https://t.co/mQQQrziya9

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

Small business owners are the backbone of this economy.
If you run a small business, drop a comment:
• What you sell/offer
• One way someone could support you right now
@ me and I'll share your business. Let's get you some customers.

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

@DailyLoud I thought this was Philly 😒

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

The goal isn't to get rich quick. The goal is to get rich for sure. Multiple income streams from real estate provide that certainty.

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

A $180,000 home becomes a $90,000 purchase under Good Neighbor Next Door. 3.5% down on $90,000 is $3,150. The math doesn't match the story you've been telling yourself.

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

Every successful person I know has one thing in common: they started before they felt ready.

You don't need to see the whole staircase to take the first step.

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

HUD's Good Neighbor Next Door gives firefighters, cops, and EMTs 50% off the list price of a HUD-owned home. The trade is you live there 36 months. Most people in the field have never heard of it.

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

Tell your lender about your overtime on day one. If it's documented for 24 months, it counts. Don't let them undercount you.

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

Before you assume you can't, find out where you actually stand. Take the Scorecard: https://t.co/DGqrzSBwo0

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

A $180,000 home for $3,150 down sounds like a pitch. It's a federal program, and it's specifically for first responders. Here's the math, step by step.

[B Thomas Collins II | Real Estate Coach @ThomasCEO]

Step four, the stack. Most states have first responder down payment assistance at the county level. Layered on top, the cash you bring can drop even further.